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Certificate Rates

Certificate Special Offers

Rates effective as of:
Product Minimum Deposit Term Dividend Rate APY*
Special 17-Month Certificate
(Share/IRA/ESA)1
$50 17 months
2.00%
Special EasyStartSM Certificate
(Share/IRA/ESA)2
$50 12 months
3.00%
For Dividend Rates, please hover your mouse over an APY.

*APY=Annual Percentage Yield

Read important disclosures

1This offer, including the stated Annual Percentage Yield (APY), is effective December 5, 2016. Navy Federal reserves the right to end or modify this offer at any time. Members can open a limited number of Special 17-Month Certificates; one share certificate and one IRA certificate. Each Special 17-Month Certificate has a $50 minimum and a $50,000 maximum balance. Additional deposits are allowed at any time, subject to the maximum balance. Penalties apply for early withdrawals from certificates.

2Limit one Special EasyStart Certificate per member. This offer, including the stated APY, is effective March 25, 2013. Navy Federal reserves the right to end or modify this offer at any time. Penalty for early withdrawal. The Special EasyStart Certificate has a $50 minimum balance and a $3,000 maximum balance. Additional deposits are allowed at any time subject to the maximum balance. Certificate owner(s) age 18 and older must have a Direct Deposit of Net Pay or a payroll allotment and a Navy Federal checking account within 90 days of the certificate issue date. If these requirements have not been satisfied by the 90th day, your Special EasyStart Certificate dividend rate will be reduced to the prevailing dividend rate of the standard EasyStart Certificate for the remainder of the certificate's term.

Share Certificate Rates

Rates effective as of: March 29, 2017, 1:00 AM EST
Term $1K minimum $10K minimum $20K minimum $50K minimum $100K minimum
Dividend Rate APY* Dividend Rate APY* Dividend Rate APY* Dividend Rate APY* Dividend Rate APY*

Short-Term Certificate Rates

3 Month .45% 1,000 min..45% .45% 10,000 min..45% .50% 20,000 min..50% .50% 50,000 min..50% .55% 100,000 min..55%
6 Month .65% 1,000 min..65% .65% 10,000 min..65% .70% 20,000 min..70% .70% 50,000 min..70% .75% 100,000 min..75%
9 Month .75% 1,000 min..75% .75% 10,000 min..75% .80% 20,000 min..80% .80% 50,000 min..80% .85% 100,000 min..85%
12 Month 1.04% 1,000 min.1.05% 1.04% 10,000 min.1.05% 1.09% 20,000 min.1.10% 1.09% 50,000 min.1.10% 1.14% 100,000 min.1.15%
18 Month 1.14% 1,000 min.1.15% 1.14% 10,000 min.1.15% 1.19% 20,000 min.1.20% 1.19% 50,000 min.1.20% 1.24% 100,000 min.1.25%
24 Month 1.44% 1,000 min.1.45% 1.44% 10,000 min.1.45% 1.49% 20,000 min.1.50% 1.49% 50,000 min.1.50% 1.54% 100,000 min.1.55%

Long-Term Certificate Rates

3 Year 1.54% 1,000 min.1.55% 1.54% 10,000 min.1.55% 1.59% 20,000 min.1.60% 1.59% 50,000 min.1.60% 1.64% 100,000 min.1.65%
4 Year 1.74% 1,000 min.1.76% 1.74% 10,000 min.1.76% 1.78% 20,000 min.1.80% 1.78% 50,000 min.1.80% 1.83% 100,000 min.1.85%
5 Year 1.78% 1,000 min.1.80% 1.78% 10,000 min.1.80% 1.83% 20,000 min.1.85% 1.83% 50,000 min.1.85% 1.88% 100,000 min.1.90%
6 Year 1.83% 1,000 min.1.85% 1.83% 10,000 min.1.85% 1.88% 20,000 min.1.90% 1.88% 50,000 min.1.90% 1.93% 100,000 min.1.95%
7 Year 1.93% 1,000 min.1.95% 1.93% 10,000 min.1.95% 1.98% 20,000 min.2.00% 1.98% 50,000 min.2.00% 2.03% 100,000 min.2.05%

IRA Certificate Rates

Rates effective as of: March 29, 2017, 1:00 AM EST
Term $1K minimum $10K minimum $20K minimum $50K minimum $100K minimum
Dividend Rate APY* Dividend Rate APY* Dividend Rate APY* Dividend Rate APY* Dividend Rate APY*

Short-Term IRA Certificate Rates

3 Month .45% 1,000 min..45% .45% 10,000 min..45% .50% 20,000 min..50% .50% 50,000 min..50% .55% 100,000 min..55%
6 Month .65% 1,000 min..65% .65% 10,000 min..65% .70% 20,000 min..70% .70% 50,000 min..70% .75% 100,000 min..75%
9 Month .75% 1,000 min..75% .75% 10,000 min..75% .80% 20,000 min..80% .80% 50,000 min..80% .85% 100,000 min..85%
12 Month 1.04% 1,000 min.1.05% 1.04% 10,000 min.1.05% 1.09% 20,000 min.1.10% 1.09% 50,000 min.1.10% 1.14% 100,000 min.1.15%
18 Month 1.14% 1,000 min.1.15% 1.14% 10,000 min.1.15% 1.19% 20,000 min.1.20% 1.19% 50,000 min.1.20% 1.24% 100,000 min.1.25%
24 Month 1.44% 1,000 min.1.45% 1.44% 10,000 min.1.45% 1.49% 20,000 min.1.50% 1.49% 50,000 min.1.50% 1.54% 100,000 min.1.55%

Long-Term IRA Certificate Rates

3 Year 1.54% 1,000 min.1.55% 1.54% 10,000 min.1.55% 1.59% 20,000 min.1.60% 1.59% 50,000 min.1.60% 1.64% 100,000 min.1.65%
4 Year 1.74% 1,000 min.1.76% 1.74% 10,000 min.1.76% 1.78% 20,000 min.1.80% 1.78% 50,000 min.1.80% 1.83% 100,000 min.1.85%
5 Year 1.78% 1,000 min.1.80% 1.78% 10,000 min.1.80% 1.83% 20,000 min.1.85% 1.83% 50,000 min.1.85% 1.88% 100,000 min.1.90%
6 Year 1.83% 1,000 min.1.85% 1.83% 10,000 min.1.85% 1.88% 20,000 min.1.90% 1.88% 50,000 min.1.90% 1.93% 100,000 min.1.95%
7 Year 1.93% 1,000 min.1.95% 1.93% 10,000 min.1.95% 1.98% 20,000 min.2.00% 1.98% 50,000 min.2.00% 2.03% 100,000 min.2.05%

ESA Certificate Rates

Rates effective as of: March 29, 2017, 1:00 AM EST
Term $1K minimum $10K minimum $20K minimum $50K minimum $100K minimum
Dividend Rate APY* Dividend Rate APY* Dividend Rate APY* Dividend Rate APY* Dividend Rate APY*

Short-Term ESA Certificate Rates

3 Month .45% 1,000 min..45% .45% 10,000 min..45% .50% 20,000 min..50% .50% 50,000 min..50% .55% 100,000 min..55%
6 Month .65% 1,000 min..65% .65% 10,000 min..65% .70% 20,000 min..70% .70% 50,000 min..70% .75% 100,000 min..75%
9 Month .75% 1,000 min..75% .75% 10,000 min..75% .80% 20,000 min..80% .80% 50,000 min..80% .85% 100,000 min..85%
12 Month 1.04% 1,000 min.1.05% 1.04% 10,000 min.1.05% 1.09% 20,000 min.1.10% 1.09% 50,000 min.1.10% 1.14% 100,000 min.1.15%
18 Month 1.14% 1,000 min.1.15% 1.14% 10,000 min.1.15% 1.19% 20,000 min.1.20% 1.19% 50,000 min.1.20% 1.24% 100,000 min.1.25%
24 Month 1.44% 1,000 min.1.45% 1.44% 10,000 min.1.45% 1.49% 20,000 min.1.50% 1.49% 50,000 min.1.50% 1.54% 100,000 min.1.55%

Long-Term ESA Certificate Rates

3 Year 1.54% 1,000 min.1.55% 1.54% 10,000 min.1.55% 1.59% 20,000 min.1.60% 1.59% 50,000 min.1.60% 1.64% 100,000 min.1.65%
4 Year 1.74% 1,000 min.1.76% 1.74% 10,000 min.1.76% 1.78% 20,000 min.1.80% 1.78% 50,000 min.1.80% 1.83% 100,000 min.1.85%
5 Year 1.78% 1,000 min.1.80% 1.78% 10,000 min.1.80% 1.83% 20,000 min.1.85% 1.83% 50,000 min.1.85% 1.88% 100,000 min.1.90%
6 Year 1.83% 1,000 min.1.85% 1.83% 10,000 min.1.85% 1.88% 20,000 min.1.90% 1.88% 50,000 min.1.90% 1.93% 100,000 min.1.95%
7 Year 1.93% 1,000 min.1.95% 1.93% 10,000 min.1.95% 1.98% 20,000 min.2.00% 1.98% 50,000 min.2.00% 2.03% 100,000 min.2.05%

More Certificate Rates

Rates effective as of: March 29, 2017, 1:00 AM EST
Product Minimum Deposit Term Dividend Rate APY*
SaveFirst Account $5 3 mos. to 5 Years .60% .60%
EasyStart Certificate (Share, IRA and ESA) $100 12 mos. 1.04% 1.05%
Variable Rate Share, IRA and ESA Certificate $500 3 Years 1.18% 1.19%